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| Stamford | | Healthy people have the best | | Cash Flow Underwriting: The use of |
| Livonia | | mortality risks and thus are much | | rating and premium collection |
| San Diego | | cheaper for companies to insure. This | | techniques by insurance companies |
| Greenville | | translates into lower rates for the | | to maximize interest earnings on |
| Cypress | | Super Preferred customer than | | premiums. |
| Anchorage | | someone with higher risk factors such | | |
| West Chester | | as a heart condition, cancer or | | Net Retention: The amount of |
| Longview | | diabetes. Conversely, if you were | | insurance that a ceding company |
| Lansing | | unhealthy when you acquired your | | keeps for its own account and does |
| Pensacola | | policy, and your health has now | | not reinsure. |
| Yonkers | | improved, it might be time to shop for | | |
| Richmond | | a new policy, as your rates are likely | | Accident: An unplanned event, |
| Valdosta | | to be lower. | | unexpected and undesigned, which |
| Thousand Oaks | | | | occurs suddenly and at a definite |
| Quincy | | Shopping around is the best way to | | place. |
| Newark | | save money on your insurance. | | |
| Metairie | | | | Stock Option Plan: Surviving |
| Lake Charles | | Make sure you have a new policy in | | stockholders have the option to |
| Harlingen | | place before you cancel your old one | | purchase or not purchase the shares |
| Stockton | | to avoid a lapse in coverage. This will | | of a deceased stockholder. |
| Tacoma | | also prevent having to figure out the | | |
| Dallas | | amount of any unused premium that is | | Substandard Risk: A risk not |
| Lafayette | | due to you from your old insurance | | measuring up to underwriting |
| Chandler | | company, or having to spar with your | | standards. It may still be written but |
| Zanesville | | agent about exactly when your policy | | usually at a surcharged premium. |
| St. Louis | | was cancelled and how much they | | |
| Atlanta | | owe you. | | Commingling: An illegal practice |
| Denver | | | | which occurs when an agent mixes |
| Syracuse | | We offer quotes for auto insurance, | | personal funds with the insured's or |
| Fort Myers | | life insurance, homeowners | | insurer's funds. |
| Fredericksburg | | insurance, health insurance, term life | | |
| Escondido | | insurance and more. | | New For Old: Replacing old |
| Mesquite | | | | damaged parts or equipment with |
| Amarillo | | If you have noticed that your auto | | new ones rather than repairing them. |
| Irving | | insurance rates are still increasing | | |
| Whittier | | with each renewal, or even have not | | |
| Detroit | | gone down even though you have a | | |
| Turlock | | great driving record, this lower pricing | | |
| Houma | | trend makes it more important then | | |
| Virginia Beach | | ever that you shop around for auto | | |
| Seattle | | insurance. | | |
